PLEASE NOTE: Midland National Bank will never request private or confidential information or ask you to verify such information through email. Please report such requests to the bank or to local law enforcement authorities.

• Protect Your Account Information
• Protect Your Identity
• Don't Get “Phished”
• What To Do If You Fall Victim To Identity Theft
• Additional Information About Reporting Fraud Or Filing A Complaint 

Please keep these tips in mind for managing your accounts and safeguarding your funds from unauthorized transfers by criminals. Criminals may use a consumer's account information to create a demand draft (sometimes called a "remotely created check") drawn on the consumer's account, or to make an electronic transfer from the consumer's account.

Here are some effective ways to protect yourself:

1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or on the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, do not provide any information.
2. If you are unsure whether a contact is legitimate, contact the financial institution. You can find phone numbers and Websites on the monthly statements you receive from your financial institution, or you can look up the company in a phone book or on the Internet. The key is that you should be the one to initiate the contact, using information that you have verified yourself.
3. Never provide your account information and/or password over the phone or in response to an unsolicited Internet request. A financial institution would never ask you to verify your account information or confirm a password online. Thieves armed with this information and your account number can help themselves to your money.
4. Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving or does not arrive, call your financial institution to find out why. If your financial institution offers electronic account access, check your account activity online regularly to catch suspicious activity.

Protect Your Identity

Over 27 million Americans have experienced identity theft and the incident rate continues to increase every year. Substantial security measures have been put in place at Midland National Bank to protect your identity and your accounts against theft and fraud. For example, our Privacy Policy protects your personal and financial information. Multi-Factor Authentication (MFA) for your online transactions helps to assure online security. When you use our online services, you will select a unique ICON and create a secret password that only you know. Additionally, encryption software "scrambles" the data that is transmitted back and forth between Midland and our online customers. This data "scrambling" protects account information so it cannot be intercepted and read by an unauthorized third party.

With all the abovementioned security measures in place, maximum security is possible only with your help. Below are a few tips to you help reduce the threat of identity theft:

• Do not give out financial information such as checking and credit card numbers, or your Social Security number, unless you know the person or organization.
• Report lost or stolen checks immediately.
• Notify us immediately of suspicious telephone inquiries such as those asking for account information to "verify a statement" or to "award a prize".
• Closely guard your Debit Card or ATM card, personal identification number (PIN), and receipts. NEVER WRITE YOUR "PIN" ON YOUR ATM or DEBIT CARD!
• Shred any financial solicitations (e.g. credit card mailings) and bank statements before disposing of them. Midland National Bank periodically offers free shredding service. Watch for information about these events!
• Put outgoing mail into a secure, official U.S. Postal Service collection box.
• If regular bills fail to reach you, call the company to find out why. It's possible someone has fraudulently changed your mailing address.
• If your bills include questionable items, don't ignore them. Instead, investigate immediately to head off any possible fraud.
• Periodically contact the major credit reporting companies to review your file and make certain the information is correct.

Internet “phishing” scams are one of the fastest-growing frauds. Typically, you’ll receive an e-mail that appears to come from a reputable company that you recognize and may do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, perhaps a federal financial institution regulatory agency.

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases such as “Immediate attention required,” or “Please contact us immediately about your account.” The e-mail may also state that unless you provide certain confidential information your account will be deactivated or closed. The e-mail will encourage you to click a link to go to the institution’s Website.

In a phishing scam, you could be redirected to a phony Website that may look exactly like the real thing. Sometimes, in fact, it may be the company’s actual Website. In those cases, a pop-up window will quickly appear for the purpose of collecting your financial information.

You may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to your financial institution, such as your mother’s maiden name or your place of birth.

If you provide the requested information, you may find yourself a victim of identity theft.

Like many other scams, phishing preys upon the unwary. Here are a few tips that will help you fight back against this form of electronic fraud.

• Never respond to an unsolicited e-mail asking you for financial information or account numbers. Always know whom you are dealing with.
• Report anything suspicious to your bank and/or to law enforcement authorities. In addition, alert the agency identified in the suspect e-mail using a telephone number or e-mail address that you know is legitimate.

The Department of Justice advises e-mail users to “stop, look and call” if they receive a suspicious e-mail.

• STOP : Resist the urge to immediately respond to a suspicious e-mail – and to provide the information requested – despite urgent or exaggerated claims.
• LOOK : Read the text of the e-mail several times and ask yourself why the information being requested would really be needed.
• CALL : If you have any doubt about the legitimacy of an e-mail, contact the organization identified, using a name and number that you know to be legitimate.

If you think you have been “phished” immediately contact your financial institution as well as the three major credit bureaus and ask that a fraud alert be placed on your credit report. Contact information for the credit bureaus is shown above.

What to do if you fall victim to Identity Theft

• Contact us immediately and alert us to the situation (316-283-1700 or custserv@midlandnb.com)
• Close your accounts you think may have been tampered with or opened fraudulently. Call the security or fraud department of each associated company or financial institution. Follow up in writing and supply copies of supporting documents.
• It is important to notify credit card companies and financial institutions in writing. Send your letters by certified mail, return receipt requested, so you can document when and what the company has received. Keep copies of all correspondence and enclosures for your records.
• Report all suspicious contacts to the Federal Trade Commission through the internet at http://www.ftc.gov/bcp/edu/microsites/idtheft/ or by calling 1-877-IDTHEFT (1-877-438-4338)

Additional Information

The internet is a great tool for information and for conducting online business, as long as consumers take the appropriate. The consumer information links below can assist consumers in locating information and providing guidance on how to file complaints when appropriate.

• Federal Trade Commission (FTC) Consumer Response Center (http://www.ftc.gov/)
  You may file a complain with the FTC against a company or organization that you believe has cheated you by contacting the Consumer Response Center by telephone: 877-FTC-HELP
• FirstGov (Your First Click to the U.S. Government) (http://www.firstgov.gov/)
  “FirstGov” is a free-access website designed to give a centralized place to find information from local, state, and U.S. Government Agency website. Consumers may call the toll-free number at 800-FED-INFO.
• Consumer.gov (http://www.consumer.gov/)
  “Consumer.gov” is a one-stop link to a broad range of federal information resources available online.
• Social Security Administration (http://www.ssa.gov/)
  Call to report fraud: 800-269-0271
• Identity Theft Resource Center (http://www.idtheftcenter.org/)
  Call to report ID theft: 858-693-7935